Rating based on 30 reviews

Auto Loan Company

  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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Auto Loan Company - quick and reliable loans

New Zealand citizens know where to turn when they are looking for a car loan whether they want to buy from a dealer or if they have found the vehicle through a private sale we can assist them with a loan.

Apply in only a few short minutes by completing the online loan application form that you can find on our website, we will give you an outcome quickly than one of our consultants will give you a call to guide you through the rest of the process.

Design your own loan agreement

The amount of interest and other fees that you are charged will depend on a number of different factors, we take your individual circumstances into account and design a loan contract to reflect your needs.

Our lending rates range between 9.95% and up to 18.95% maximum.

The amount you are charged will depend on the amount that you borrow, how long your loan term is and if you are going to put down a deposit or not.

A bit about our history

We have been in the business of granting car loans for over 20 years and we use this experience to help our clients secure the best deals possible.

We use our connections to find you exactly what you are looking for and we do the running around and present you with the best options. You are under no obligation to take the deal either, so there is no risk of applying.

Auto Loan Company Services

If you are looking for a recreational vehicle then we can put you in touch with a lender that can help you design a package to suit your specifications.

We offer both secured and unsecured car loans and we can arrange a loan structure to suit even the smallest budget.

Our aim is to get you behind the wheel of the car you want as quickly as possible.

Unsecured car loans

If you don’t have an item of collateral to secure your car loan then an unsecured car loan allows you to get the loan you need.

The terms of an unsecured loan are usually a bit stricter as you are seen as a riskier client and if you don’t pay back your loan the lender has no security they can use to recover their costs.

The following can be provided for by an unsecured loan:

  • Loan consolidation – This loan allows you to combine all your existing debt into one loan amount. Debt can include your credit cards, hire purchase and car loans. By using this option, you will reduce your overall payments and only need to worry about one reduced payment until you get back on your feet
  • Personal loans – These long and short term loans can be used to pay for holidays, medical expenses, car repairs or any other reason you require with no restrictions.
  • Asset purchases – If you are buying a vehicle or a boat, furniture or other valuable property this can also be used to secure your loan
  • Home renovation - This type of personal loan can be used to do basic repairs on your home or upgrade your property

Auto Loan Company – Car loan

  • Loan Type Car loans
  • Interest Rate 9.9518.95% p/a
  • Repayment 12 months to 5 years

Benefits of Auto Loan Company

  • CAR Loans

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Auto Loan Company - A checklist for buying a car

It is always a risky option to buy a second-hand vehicle as you don’t know what problems the car might already have. Some cars may look like a great deal but they could have mechanical issues or other faults.

The things to look for when you examine the vehicle include:

  • Check the tires – Many second-hand cars will need new tires because the older ones could be worn out. You need to take the cost of replacing the tires into consideration when negotiating the price of the vehicle
  • Make sure you look very carefully at the painful job, notice any rusk spots, dents and scratches that could try to hide that the vehicle was involved in an accident
  • Make sure the trunk of the car and the bonnet can be opened easily and that everything works correctly.
  • Make sure that the frame of the car isn’t damaged. If the frame is damaged this can indicate the vehicle was in an accident
  • Start the vehicle and check that the exhaust leaks black or blue smoke
  • Open the hood of the car and ensure that all the components of the vehicle are there and are in working order
  • Inspect the engine for leaks and corrosion
  • Check the timing belt because this is a very costly item to replace. This belt should run for plus minus 1000 miles before it has any issues

The interior of the vehicle

Get into the car and sit in the driver’s seat. Check the seats for rips or stains, turn on the air conditioner to make sure that it works correctly. Look at the odometer of the car and take note of the mileage. The car's age can best be determined by how much mileage it has on the clock.

You should try to buy a car with low mileage. Vehicles that are older than 10 years are not recommended as they are usually more problems than they are worth and obtaining a car loan is very difficult.

Customer Reviews & Testimonials

If you would like to make sure of your monthly payments all you have to do is see the loan calculator and this will help you get the answer you want.

Gregg B
— Auckland —

You can call or email them at any time for advice and they are always more than willing to help you get the answers you are looking for.

Stanley G
— Queenstown —

You can apply online or if you don’t like doing that you can also go into the company and apply there they always have such welcoming staff.

Trevor A
— Christchurch —

Auto Loan Company Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 552, Christchurch 8140, Christchurch, 8140, New Zealand

Opening Hours

  • not available